The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$30,866
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$31,826
−HK$976/mo
Today · 4.125%
HK$32,802
baseline
▲ 0.50% · 4.625%
HK$34,798
+HK$1,996/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$65,604/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$507,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,338
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$35,259
−HK$935/mo
Today · 4.125%
HK$36,194
baseline
▲ 0.50% · 4.625%
HK$38,101
+HK$1,907/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$72,388/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$507,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,040
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$38,192
−HK$1,170/mo
Today · 4.125%
HK$39,362
baseline
▲ 0.50% · 4.625%
HK$41,757
+HK$2,395/mo
Deposit HK$5.41M · loan HK$8.12M · min. income ≈ HK$78,724/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,206
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,311
−HK$1,121/mo
Today · 4.125%
HK$43,432
baseline
▲ 0.50% · 4.625%
HK$45,722
+HK$2,290/mo
Deposit HK$5.41M · loan HK$8.12M · min. income ≈ HK$86,864/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,213
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$44,557
−HK$1,366/mo
Today · 4.125%
HK$45,923
baseline
▲ 0.50% · 4.625%
HK$48,717
+HK$2,794/mo
Deposit HK$4.06M · loan HK$9.48M · min. income ≈ HK$91,846/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,074
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$49,363
−HK$1,308/mo
Today · 4.125%
HK$50,671
baseline
▲ 0.50% · 4.625%
HK$53,342
+HK$2,671/mo
Deposit HK$4.06M · loan HK$9.48M · min. income ≈ HK$101,342/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,559
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$57,287
−HK$1,756/mo
Today · 4.125%
HK$59,043
baseline
▲ 0.50% · 4.625%
HK$62,636
+HK$3,593/mo
Deposit HK$1.35M · loan HK$12.18M · min. income ≈ HK$118,086/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,809
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$63,467
−HK$1,681/mo
Today · 4.125%
HK$65,148
baseline
▲ 0.50% · 4.625%
HK$68,583
+HK$3,435/mo
Deposit HK$1.35M · loan HK$12.18M · min. income ≈ HK$130,296/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,612 · Scale 2, in force from 26 Feb 2026)